Get the embryo insured. Just do it. Get the foal insured. If you don’t insure the embryo, there is a waiting period before Foal insurance can be applied…and something happens to the foal within that time, you are screwed. If you have the embryo insured, there is a direct transfer to foal insurance.
My in-utero foal contracted C-Diff (most likely from the mare), and was in the hospital ICU within 24 hours of birth. Ten days, and 12k later, we let him go.
It was unspeakably horrific. The foal was insured for 20k (I could have gone higher and I wish I had). The mortality insurance covered all of the hospital costs, and the breeder gave me a foal for whatever I had left over from the insurance (from the same mare/different stallion) born a few weeks later. She had three embryo transfer babies that year from the same mare.
If I had not insured the embryo, all of the foal vet costs would have been uninsurable. The breeder was devastated, and went through the ten days of hell with me.
My first attempt at in utero purchase was 15 years ago. This was going to be a custom foal with a lovely mare by a stallion I loved. I gave the (breeder) a $10,000 deposit, and she proceeded to breed the mirror with frozen semen to the stallion of my choice. The mare did not take. We tried again the mare did not take again. At this point we were getting a little concerned and punted to a different stallion. Still frozen. Again, Mare did not take. All of these costs were born by the breeder. She probably spent at this point about $12-$15,000 in vet bills and flushing and frozen semen from Germany. Finally, we were at the end of the breeding season, and she went to a new vet….opted for fresh cooled, But from a stallion that was not ideal for me, since he was 17.2. I felt terrible for her, and we agreed that she needed to do what she needed to do to get the plumbing working on this excellent broodmare.
She returned my $10,000 deposit, and probably spent $20,000 to get the baby on the ground for that year.
So. Put together contingency plans…I ended up with a foal I love to pieces, but cover your butt.![image|video]